St. Louis also has fewer high-risk scores of 580 or less and more low-risk scores of 740 or more.

Write-offs due to unpaid debts totaled $1.9 billion in 2013, down from a peak of $2.7 billion in 2010, similar to state and national trends.

Equifax, based in Atlanta, reported net income of $88.9 million on revenue of $572 million in the quarter ended Sept. 30, including $115 million in revenue at the Workforce Solutions division, which is based in St. Louis and led by President Dann Adams. The company is scheduled to report fourth-quarter results Feb. 12.